Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 10/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.839% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$7,317 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.859% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.750 Points$2,400 Points Fee
$3,670 Total Fees$1,270 Lender Fees
 30 Years Fixed
6.894% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.858 Points$2,746 Points Fee
$4,741 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.906% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.883 Points$2,826 Points Fee
$5,121 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.005% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.689 Points$2,205 Points Fee
$8,405 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.025% APR 6.874% Rate 30 day rate lock $2,102 Payment per month
0.919 Points$2,941 Points Fee
$4,941 Total Fees$2,000 Lender Fees
 30 Years Fixed
7.059% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.701 Points$2,243 Points Fee
$2,243 Total Fees$0 Lender Fees
 30 Years Fixed
7.129% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.858 Points$2,746 Points Fee
$4,646 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.132% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.870 Points$2,784 Points Fee
$4,278 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.203% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.784 Points$2,509 Points Fee
$2,509 Total Fees$0 Lender Fees
 30 Years Fixed
Buy with a $0 down payment when you qualify for a VA Loan
As low as 0% down options & down payment assistance
Numbers you can trust
6.954% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.806 Points$2,579 Points Fee
$2,579 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Family moving in